Flood Insurance
Virtually no state in the country has the challenges of flooding that the Commonwealth of Pennsylvania does.
If you live in Pennsylvania you probably know about the Great Flood of 1889. Thousands of homes were damaged or destroyed and the disaster was the largest loss of civilian life in the United States at the time. Since then, there have been several major floods throughout the region. In fact, in 2011 relentless rain triggered catastrophic flooding that forced the evacuation of over 100,000 people. If you live in Pennsylvania, you need flood insurance!
Flood insurance in PA provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Donald R. Weaver Insurance can protect you.
Flood insurance in PA is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.
Different types of Pennsylvania flood insurance policies are available based on your property’s location and flood history:
Standard Flood Insurance Policies
If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by standard flood insurance. Pennsylvania residents should be aware that the NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.
Preferred Risk Flood Insurance Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren't required to purchase flood insurance, Pennsylvania residents in low-to-moderate risk areas, should consider a preferred risk policy which will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.
Don't wait until it's too late. From covering overall structural losses to your personal property, we help protect the things that matter most to you with dependable flood insurance in Pennsylvania .
There’s no reason why you should place your home and livelihood at risk. Contact Donald R. Weaver Insurance today; we’ll get you on the path to superior flood protection with an affordable and comprehensive Pennsylvania flood insurance policy.